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This is the education most families never get. Modern life insurance policies can pay YOU back — while you're alive — when a serious health event hits. Here's what each living benefit covers, and roughly how much of your policy value it unlocks.
The five living benefits below are commonly available riders on the plans we compare. Every carrier is different — the numbers here are typical maximums; your specific policy, age, health rating, and state determine the exact amount. On a free consultation we walk through the fine print in plain language before you sign anything.
A licensed physician certifies you have 12 – 24 months or less left to live.
Up to 85% of your policy's face value
This is one of the most powerful uses of a life insurance policy — you can bring forward the majority of your death benefit while you are still alive, so you can afford treatment, travel, quality time with family, or simply stop worrying about the bills.
You are unable to perform at least 2 of the 6 Activities of Daily Living (bathing, dressing, eating, toileting, transferring, continence), OR you have a severe cognitive impairment.
A monthly benefit payment — for up to 4 years
Chronic illness care is one of the most financially devastating things that can happen to a family. This benefit turns your life insurance into a source of monthly income to pay for in-home care, medical equipment, a family caregiver, or an assisted-living facility — without depleting your savings.
You are diagnosed with a covered critical illness — cancer, heart attack, stroke, major organ failure, kidney failure, and similar conditions.
Up to 80% of your policy's face value
A lump-sum acceleration when you need it most. Most families face a triple hit at once — medical bills, lost income, and the emotional weight of the diagnosis. This benefit is designed to remove the money part of that equation so you can focus on recovery.
You suffer a severe injury — paralysis, coma, severe burns, dismemberment, or a similar life-altering event.
Up to 80% of your policy's face value
The event doesn't have to be a disease — a serious accident can be just as catastrophic to a family's finances. Critical-injury riders trigger a lump-sum acceleration so you can pay for rehabilitation, home modifications, and the income gap during recovery.
A licensed physician confirms an Alzheimer's diagnosis. Coverage design lets you plan protection now and access value as the disease progresses.
Value depends on your age and how far the disease has advanced at the time of claim
Alzheimer's is uniquely brutal on families because care can stretch over many years. Setting up the right coverage today ensures the money is there — for memory care, caregivers, and dignity — when your family will need it most.
The benefit percentages and durations above are typical MAXIMUMS available across major carriers we compare — actual amounts vary by carrier, policy type, insured age, health rating, and state of issue. Living-benefit riders may be included at no cost or require an additional premium depending on the plan. Not all conditions or events qualify, and specific definitions (for example, exactly how a critical illness is defined, or what an ADL trigger requires) are set by each carrier's contract. Your licensed Aegis Vita advisor will review carrier-specific terms with you in detail before you make any decision. This page is educational and does not constitute financial, tax, or legal advice.
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